Your home is one of the most expensive and valuable investments you make in life. If your house has been damaged by a storm or fire, it can be extremely stressful trying to deal with insurance companies on your own. With Lev Roofing Service, we can handle everything for you so that you don’t have to worry about anything except getting back into your repaired home as soon as possible!
The first step to getting your home back on track is finding out if you have insurance coverage for the damages. Roof insurance, also known as homeowner’s or property owner’s policy, can cover any damage that occurs to your roofing materials by an act of God—that means anything from fire and wind storms to earthquakes and floods are covered under this type of policy. If you don’t know whether or not your house has roof insurance through Lev Roofing Service, call us today!
If lightning strikes near your house or high winds knock down trees nearby (or even worse), there could be significant damage to the roofs over your head. The next thing you will probably notice is water leaking into your house. This can cause ceilings to collapse and walls to buckle, so you must call for assistance as soon as possible. Water damage can also warp hardwood flooring or rust metal fixtures inside the home—and if not addressed quickly enough, even lead to mold growth.
Full coverage roof insurance, also known as an all-risk policy, is a type of insurance that covers the entire building for damage from any cause. This includes protection against hail storms and falling trees or branches. In most cases this type of insurance will pay to replace your home’s exterior if it has been destroyed in a storm—just make sure you have full coverage roof insurance before making repairs!
Partial coverage is just like full coverage except it only covers part of your building’s exterior in case something damages one area but leaves another section unscathed. For example, if half of the walls on the first floor collapse due to water damage while everything above remains intact, partial coverage would cover repair costs up until an even split between sections occurred (in this case 50%).
Actual Cash Value will show you the depreciated value of your roof at the time of the calamity. This can be many thousands of dollars less than the cost to replace your roof. Replacement Cost will pay the full replacement cost on your new roof, which may not equal ACV after time has passed since you purchased or built your home.
Having a roof insurance policy can help you save money in the long run. If your home is damaged by fire or severe weather, this type of insurance can cover repairs and replacement costs so that you don’t have to pay out-of-pocket for damage done to your house. However, there are also some downsides to having full coverage on your property—this includes higher premiums than homeowners with less protection (which will cost more each month) as well as increased deductibles if you file multiple claims within one year.
If you are currently dealing with insurance issues in the wake of a storm or fire, call Lev Roofing Service to help get your house back into shape. Our roofers can inspect and assess the damage done by natural disasters so that we know exactly what needs to be fixed before starting repairs.
Why does my homeowner’s insurance policy cover hail damage, but not wind-driven rain?
It is important to note that your roofing materials are insured against weather disasters—but certain types of severe weather can cause issues with the interior structure of your home. The main point at which a claim becomes valid for water infiltration and structural problems caused by storms or other extreme weather events varies from one company to another, so it’s best if you talk to Lev Roofing Service about what we need to do before starting any repairs!
How long will I have until filing an insurance claim after a storm?
Most companies require customers to file claims within 24 hours of noticing damages done during natural disasters like hurricanes and tornadoes. Since these weather events can be unpredictable, it’s important to act quickly and make sure you don’t miss the deadline for filing an insurance claim.
Do I need a separate deductible for roof repair?
Since your homeowner’s policy is already covering damage done by weather disasters, most companies won’t require extra fees or deductibles—but keep in mind that this may vary depending on which company you work with! If you have any questions about how much money you will have to pay out of pocket if there are damages to your home’s exterior after a storm, call Lev Roofing Service today at +123-4567-890! We’re here 24/365 so we’ll be able to update our customers as soon as new information comes out!